1. 19 MARCH 2009 VRIJE UNIVERSITEIT BRUSSEL PA¥ING FOR N€W$ INTERACTIVE WORKSHOP ON FLEMISH E-PUBLISHING TRENDS 2. AGENDA 13H20 – 13H50 SESSION 1: HOW TO PAY FOR NEWS? (Valérie-Anne Bleyen and Leo Van Hove, Vrije Universiteit Brussel) 13H50 – 14H15 COMMENTS & GROUP DISCUSSION MODERATED BY DAVE BIRCH (Director of Consult Hyperion) 14H15 – 14H45 SESSION 2: CASE STUDY: FIRSTGATE’S “ CL ICKANDBUY” (Jean-Pierre Jacobs, Senior Marketing Manager of ClickandBuy Benelux) 14H45 – 15H15 COMMENTS & GROUP DISCUSSION MODERATED BY DAVE BIRCH 15H15 – 15H30 COFFEE BREAK 15H30 – 15H45 SESSION 3: A LA CARTE OU PAS? (Valér i e-Anne Bleyen and Leo Van Hove, Vrije Universiteit Brussel) 15H45 – 16H15 GROUP DISCUSSION MODERATED BY DAVE BIRCH & CONCLUDING REMARKS 16H15 – 17H00 DRINK 3. Valérie-Anne Bleyen - Leo Van Hove 19 March 2009 Vrije Universiteit Brussel SESSION 1: HOW TO PA¥ FOR N€W$ ? 4. INTRO: WHY PAYMENT INSTRUMENTS? 1. PAYMENTS MARKET = DYNAMIC AND TURBULENT => CLASSIFICATION  OVERVIEW 2. PI ~ REVENUE MODEL => SWOT ANALYSIS  INSIGHT 5. AGENDA I. CLASSIFYING PI S : A MATRYOSHKA APPROACH II. PI S OFFERED BY NP SITES: 2008 VS. 2006 III. SWOT-ANALYSIS IV. CONCLUSION 6. I. CLASSIFYING PI S : A MATRYOSHKA APPROACH A whole range of criteria can be deployed to classify PI S : No all-encompassing classification A mutually exclusive classification = tricky to develop After numerous attempts... A matryoshka approach guaranteed vs. non-guaranteed Risk ... ... pre-paid, pay-now, post-paid Moment in time of settlement from the payer’s perspective bank, credit card co, telephone co, software co, etc. Type of intermediary involved in the settlement micro vs. macro Payment size e/m-commerce, POS, etc. Usage context national vs. international Coverage hardware vs. software, token vs. account, server vs. client Type of account traditional vs. innovative/developed for the Internet Type of instrument 7. ONE OF OUR FIRST ATTEMPTS … 1. Banknotes or coins 2. ( Electronic ) cheques 3. Machine-based instruments 4. (Online) banking 5. Card-based instruments 6. Contactless payment instruments 7. E-purses with a physical carrier 8. Server -based e-wallets 9. Scratch card / code-based e-wallets 10. E-mail -based instruments 11. Mobile instruments 12. Loyalty points / private currency schemes 13. Single purpose payment instruments Collection/billing services Money transmitters 8.   9.   10.   11.   12. OUR MATRYOSHKA APPROACH … Is broad Does not suffer from 'innovation infatuation' Is regulation-neutral Is general Does not contain all relevant dimensions Cannot be linked directly with a SWOT ! Micro-payments & aggregation Prepaid: one big real-world payment is split up into small Internet payments Collection: many small Internet payments are aggregated into one big real-world payment 13. AGENDA I. CLASSIFYING PI S : A MATRYOSHKA APPROACH II. PI S OFFERED BY NP SITES: 2008 VS. 2006 III. SWOT-ANALYSIS IV. CONCLUSION 14. II. EVOLUTIONS IN AVAILABLE PI S OUR SCOPE: NATIONAL NP S - WE Period June-July 2006 and 2008 82 newspapers > 8 countries All national, daily paid-for newspapers Belgi um ( 9 ) - the Netherlands ( 8 ) - Luxembourg ( 6 ) - France ( 11 ) - Germany ( 10 ) - Italy ( 20 ) - Spain ( 8 ) - the United Kingdom ( 10 ) Listing conform WAN-report (2006) & national coordinating organisations Not: - regional and local newspapers - freely distributed newspapers - overly specific target audience DATA COLLECTION = SELECTIVE BUT EXHAUSTIVE 15. THE TOP 3 OF ACCEPTED PI S OVER THE PERIOD 2006-2008 16. THE TOP 3 OF ACCEPTED PI S OVER THE PERIOD 2006-2008 OVERALL: NO DRASTIC CHANGES CREDIT CARDS  FROM 66.2% TO 63.4% CREDIT TRANSFERS  FROM 47.5% TO 52.4% DIRECT DEBITS  MICRO-PAYMENT INSTRUMENTS DECREASED IN POPULARITY LOWERED OFFERING OF PPV ETC. (CF. INFRA) CHICKEN-AND-EGG PROBLEM 17. THE TOP 3 OF ACCEPTED PI S OVER THE PERIOD 2006-2008 BE: - CREDIT CARDS AND CREDIT TRANSFERS STILL N° 1 - ONLINE BANKING REMAINS ACCEPTED BY ROUGHLY 90% - SMS  - DIRECT DEBITS  NL: - DIRECT DEBITS AND CREDIT TRANSFERS STILL MOST POPULAR - ONLINE BANKING REPLACED CREDIT CARDS AS N° 3 DE: - CLICKANDBUY IS N°3 ANNO 2008 18. II. CROSS TABLE 2006 THE BUNDLING OF ONLINE CONTENT VS. NATURE/INNOVATIVENESS OF PI S : 19. AGENDA I. CLASSIFYING PI S : A MATRYOSHKA APPROACH II. PI S OFFERED BY NP SITES: 2008 VS. 2006 III. SWOT-ANALYSIS IV. CONCLUSION 20. III. SWOT-ANALYSIS OF THE MOST PREVALENT PI S III.1 CREDIT CARDS III.2 CREDIT TRANSFERS III.3 DIRECT DEBITS III.4 ONLINE BANKING III.5 SMS 21. III. FOCUS IN SWOT-ANALYSIS MERCHANT (CUSTOMER) SUITABLE FOR MICRO/MACRO-PM S SECURITY CUSTOMER’S EXPERIENCE (ease of use, trust, anonymity...) REACH COST GUARANTEED PAYMENT 22. III.1 CREDIT CARDS 23. III.2 CREDIT TRANSFERS 24. III.3 DIRECT DEBITS 25. III.4 ONLINE BANKING 26. III.5 SMS 27. III. TO SUM UP...     ~ ATTRACTIVE TO CUSTOMERS  X X X X MICRO-PM S   ~   REACH X   ~ X COST   ~  X SECURITY   X  X GUARANTEED PM SMS ONLINE BANKING DIRECT DEBIT CREDIT TRANSFER CREDIT CARD 28. IV. CONCLUSION NP SITES STILL NO FAN OF MICRO-PM S + OFFERING OF PPV ETC. REMAINS LIMITED AS WELL (SESSION 3) = CHICKEN-AND-EGG PROBLEM  IS IT BECAUSE THERE ARE NO EFFICIENT PI S AVAILABLE, THAT NP S DO NOT OFFER PPV, OR THE OTHER WAY AROUND ?

How to pay for news?

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1. 19 MARCH 2009 VRIJE UNIVERSITEIT BRUSSEL PA¥ING FOR N€W$ INTERACTIVE WORKSHOP ON FLEMISH E-PUBLISHING TRENDS 2. AGENDA 13H20 – 13H50 SESSION 1: HOW TO PAY FOR NEWS?…